Dana Nolan | IR |
John Turner | President and CEO |
David Turner | CFO |
Barb Godin | Chief Credit Officer |
Ken Usdin | Jefferies |
Michael Rose | Raymond James |
John Pancari | Evercore ISI |
Matt O’Connor | Deutsche Bank |
Betsy Graseck | Morgan Stanley |
Stephen Scouten | Piper Sandler |
Peter Winter | Wedbush Securities |
Erika Najarian | Bank of America Merrill Lynch |
Gerard Cassidy | RBC |
Saul Martinez | UBS |
Bill Carcache | Wolfe Research |
Jennifer Demba | Truist Securities |
Good morning, and welcome to the Regions Financial Corporation’s Quarterly Earnings Call. My name is Shelby, and I will be your operator for today’s call. I would like to remind everyone that all participant phone lines have been placed on listen-only. At the end of the call, there will be a question-and-answer session. [Operator Instructions] I will now turn the call over to Dana Nolan to begin.